Chase Ink Business Premier
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Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months from account opening. Cash Back rewards are tracked as points (100 points = $1) and CANNOT be transferred to Chase Ultimate Rewards travel partners.
$1,000 cash back once $10,000 of spend posts within your first 3 months. $195 annual fee.
- Annual fee
- $195
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Earning Rates
At a glance
- 100k bonus (one of largest)
- 2.5x on $5k+ purchases
- 5x Chase Travel
- Pay-in-full (no APR)
Earning rates
4- 2.5%
2.5% cash back total on every purchase of $5,000 or more (an additional 0.5% on top of the 2% base rate); each transaction must bill and post in an amount equal to or greater than $5,000, so split shipments that post under $5,000 only earn 2%, per the Chase Ink Business Premier offer details
- 2%everything else
2% unlimited cash back on all other business purchases, with no bonus categories to track and no spending cap, per Chase Ink Business Premier product page
- 5%travel
5% cash back total on travel purchased through Chase Travel (an additional 3% on top of the 2% base), per Chase Ink Business Premier product page
- 5%lodging
5% cash back total on qualifying Lyft purchases through 9/30/2027 when paid with the Ink Business Premier card, including rideshare, bike and scooter rides, and subscription and membership products (gift cards, car rentals, and vehicle service centers are excluded), per Chase Ink Business Premier offer details
Transfer partners
3Statement credits
1- Redeem rewards for cash back as a statement credit or direct deposit to most U
Redeem rewards for cash back as a statement credit or direct deposit to most U.S. checking and savings accounts, with no minimum redemption threshold, per Chase Ink Business Premier product page
Perks & memberships
4- Authorized users$195 annual fee, with employee cards available at no additional annual cost (per Chase Ink Business Premier product page and One Mile at a Time review)
- Points longevityPoints do not expire as long as the account remains open and in good standing; all points are forfeited if the account is closed for program misuse, fraud, or other reasons described in the Rewards Program Agreement, per Chase Ink Business Premier offer details
- No foreign feesNo foreign transaction fees on purchases made outside the United States, per The Points Guy review and Chase Ink Business Premier product page
- Authorized usersEmployee cards at no additional annual fee, with optional individual spending limits set by the Authorizing Officer for each authorized user, all earning at the same Cash Back rates as the primary account, per Chase Ink Business Premier product page
Travel & purchase protections
7- Primary auto rental collision damage waiver when renting for business purposes: decline the rental company's collision insurance, charge the entire rental to the card, and receive reimbursement up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less; per The Points Guy, this primary coverage applies in the U.S. and most countries around the world (per Chase Ink Business Premier product page and The Points Guy review)
- Trip cancellation and trip interruption insurance: reimbursement up to $5,000 per covered traveler and up to $10,000 total per trip for pre-paid, non-refundable travel expenses (such as tours and hotel reservations) when a trip is canceled or cut short by a covered reason like sickness or severe weather, per The Points Guy review
- Travel and emergency assistance services: 24/7 access to legal and medical referrals plus other travel and emergency assistance while traveling away from home (cardholder pays for the actual goods or services obtained), per Chase Ink Business Premier product page
- Cell phone protection: up to $1,000 per claim against covered theft or damage for cell phones listed on the monthly cell phone bill when the bill is paid with the Ink Business Premier card, with a maximum of 3 claims per 12-month period and a $100 deductible per claim, per Chase Ink Business Premier product page
- Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item and up to $50,000 per account; coverage period is reduced to 90 days from the date of purchase for New York residents per the Chase disclosure, per Chase Ink Business Premier product page and The Points Guy review
- Extended warranty protection: extends the U.S. manufacturer's warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase, per Chase Ink Business Premier product page
- Roadside assistance: 24/7 access to a roadside dispatch service for towing, jump-starts, tire changes, lockouts, and similar services; service fees are billed to the card at time of dispatch (this is dispatch, not free roadside coverage), per Chase Ink Business Premier product page
More benefits & fine print (3)ShowHide
- Cash Back rewards are tracked internally as points where each $1 in Cash Back equals 100 points; points are worth 1 cent each at redemption, so there is no portal multiplier (per The Points Guy review and Chase Ink Business Premier offer details)
- Account alerts via Chase: cardholders choose which alerts to receive (purchases, payments, balance, suspicious activity) and how to receive them (email, text, push), per Chase Ink Business Premier product page
- Builds business credit history: account activity is reported to business credit bureaus, helping the business build its own credit profile separate from the owner, per Chase Ink Business Premier product page
How we verified this card (3 sources)ShowHide
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How to Earn the Bonus
Spend $10,000 in the first 3 months to earn the $1,000 cash back bonus.
See the Current Offer
Earn $1,000 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
